Rates & market update

This page is meant to be a living snapshot, not a one-time post. Check back, or just ask me directly for what's current right now.

Where things stand

Placeholder, needs a regular update: a short, current snapshot goes here (general rate environment, local inventory trends, anything worth flagging this month). Deliberately not filled with a specific rate today, since this content ships once and a hardcoded number would go stale and mislead the next visitor who reads it weeks or months later.

Why the rate you see in headlines isn't your rate

National average rate headlines are a real data point, but they're an average, not a quote for you specifically. Your actual rate depends on your credit score, down payment, loan type, loan amount, and the specific property. Two buyers closing the same week can get meaningfully different rates.

Day-to-day rate movement mostly tracks the bond market and Federal Reserve policy signals, not something any individual lender controls. What I can control is making sure you're not leaving anything on the table within whatever the market's doing: the right loan program for your situation, accurate qualifying numbers, and no surprise fees at closing.

Does it still make sense to get pre-approved now?

Usually yes, regardless of which direction rates are moving. Pre-approval tells you your real budget, strengthens your offer in a competitive situation, and gives you time to fix anything in your credit or financial picture before you're under contract. None of that depends on timing the market perfectly.

If rates drop meaningfully after you close, refinancing is always an option later. See the refinance pagefor how that works.

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